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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-23 06:47:56.621294+00","research_date":"2026-09-22","source_snapshot_sha256":"d08fbe6a7dad9825e18ed297261b1a618ca55cbcd0d38baec48394a3ea4cca1f","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is the consensus leader for a cigarette-using senior seeking roughly $15,000–$25,000 of permanent final expense coverage, named by all seven platforms studied (100.0% share, average listed position 3.43, best position 2). Mutual of Omaha is the strongest alternative for buyers who can pass tighter simplified-issue health questions and want the lowest reported smoker rates, while Americo Financial Life and Annuity Insurance Company is the standout for smokers who intend to quit, and Gerber life insurance Company is the fallback for guaranteed acceptance. The study covered seven…","target_buyer":"A senior who currently uses cigarettes wants approximately $15,000 to $25,000 of permanent final expense life insurance.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They want a reputable carrier with reasonable tobacco-user pricing","straightforward underwriting","permanent coverage","and clear policy guarantees while understanding that tobacco use can materially affect premiums and eligibility."],"geography":"United States","slug":"best-final-expense-insurance-for-smokers","title":"Best Final Expense Insurance for Smokers","use_case":"Final Expense Insurance for Smokers"}}